Max Bupa Health Companion Family Floater Plan

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Max Bupa Health Companion family floater is a comprehensive and affordable plan. It is designed for individuals and nuclear families consisting of you, up to 4 children and your spouse. It offers a direct settlement of claims, cashless hospitalization, and lifelong renewal of health insurance plans. The policy comes in 3 variants and the sum insured ranged from INR 3 lakhs to 1 crore.

Sum Insured Amount:

Sum Insured Options Variant 1: INR 3 Lakhs & INR 4 Lakhs

Top Up Options with Annual Aggregate Deductible Option:

 INR 1 Lakh, INR 2 Lakhs, INR 3 Lakhs, INR 4 Lakhs, INR 5 Lakhs & INR 10 Lakhs, INR 15 lakhs, INR 20 lakhs, INR 30 lakhs, and INR 50 lakhs.

Sum Insured Options Variant 2:  INR 5 Lakhs, 7.5 Lakhs, 10 Lakhs & INR 12.5 Lakhs

Top Up with Annual Aggregate Deductible Option: INR 1 Lakh, INR 2 Lakhs, INR 3 Lakhs, INR 4 Lakhs, INR 5 Lakhs & INR 10 Lakhs

Sum Insured Options Variant 3: Sum Insured Options: INR 15 Lakhs, 20 Lakhs, 30 Lakhs, 50 Lakhs & INR 1 Crore

Top Up with Annual Aggregate Deductible Option: INR 1 Lakhs, 2 Lakhs, 3 Lakhs, 4 Lakhs, 5 Lakhs & INR 10 Lakhs

Features of Max Bupa Health Companion Family Floater Plan

The plan comes with the following benefits:

  • No age limit
  • Tax benefits
  • Lifetime policy renewal
  • Direct claim settlement
  • Cashless treatment
  • Free look period

In-Patient Care Expenses

The cost of medical treatment is paid off when you or any of your insured family members get hospitalized for the treatment. Following expenses are reimbursed/paid:

  • Option to buy a 2-year policy term
  • Hospital accommodation pre & post-hospitalization expenses
  • Refill benefit
  • All day care treatment costs
  • Alternative treatments
  • Renewal benefit
  • Emergency ambulance expenses
  • Organ transplantation costs
  • Optional hospital cash
  • Domiciliary treatment cost
  • Vaccination expenses after an animal bite

Coverage under Variant 1, Variant 2 and Variant 3

Coverage Variant 1 Variant 2 Variant 3
In-patient care (hospitalization) For you and your family members For you and your family members For you and your family members
Hospital accommodation All types of hospital rooms without capping (except above room category or suite) All types of hospital rooms without capping (except above room category or suite) All types of hospital rooms without capping (except above room category or suite)
Pre & post-hospitalization expenses 30 days pre-hosp.60 days post-hosp 30 days pre-hosp.60 days post-hosp 30 days pre-hosp.60 days post-hosp
All day care treatments covered Covered Covered Covered
Refill benefit Covered Covered Covered
Alternative treatments AYUSH treatment up to the base sum insured AYUSH treatment up to the base sum insured AYUSH treatment up to the base sum insured
Renewal benefit NCB 20%Health Check-up once every2 years NCB 20%Annual Health Check-up NCB 20%Annual Health Check-up
2 year policy tenure option 12.5% discount 12.5% discount 12.5% discount
Emergency ambulances Up to INR 3,000 Up to INR 3,000 Up to INR 3,000
Organ transplant Covered Covered Covered
Domiciliary treatment Covered Covered Covered
Vaccination in case of animal bite Reimbursement up to Rs. 2500 for OPD treatment Reimbursement up to Rs. 5000 for OPD treatment Reimbursement up to Rs. 7500 for OPD treatment
Hospital cash (optional) Rs. 1000 Rs. 2000 Rs.4000

 

Exclusions of Max Bupa Health Companion Family Floater Plan

The plan doesn’t cover the following medical expenses:

  • Ancillary Hospital Charges
  • Circumcision
  • Artificial life maintenance
  • Behavioral, Neurodegenerative and Neurodevelopmental Disorders
  • Alternative & Complementary Medicine
  • Conflict and Disasters
  • Hazardous Activities
  • Reconstructive and Cosmetic Surgery
  • External Congenital Anomaly
  • Rehabilitation & Convalescence
  • Dental treatment expenses
  • HIV, and AIDS related expenses
  • Eyesight & Optical Services
  • Experimental/Investigational or Unproven Treatment
  • Weight Control Programs
  • Unjustifiable hospitalization
  • Inconsistent diagnostic procedures
  • Non-medical expenses
  • Psychiatric and mental conditions
  • Off- label drug or treatment
  • Treatment received outside India
  • OPD treatment costs
  • Menopause and puberty related problems
  • Sleep disorders
  • Sexually transmitted diseases
  • Reproductive medicines or treatment method
  • LASER treatment, Robotic Assisted Surgery, & Light-based treatment
  • Substance-related and addictive disorders
  • Unlawful activities
  • Unrecognized physician or hospital

Claim Process of Max Bupa Health Companion Family Floater Plan

Choose a hospital that is in your vicinity from the list of Max Bupa network hospitals. It is suggested that you pick a hospital before 72 hours of the treatment.  To ease the identification process you need to carry the following documents:

  • Max Bupa Health Insurance Card or Policy Number
  • Voters' Card
  • Passport
  • Driver's License
  • PAN Card

The network hospital will carry out the validation process and will submit you pre-authorization process to the insurer. The decision will be communicated to the network hospital within 30 minutes in most of the cases.

You can start with the treatment and after getting discharged you can sign all the forms, documents, and invoices. To ease the hospitalization procedure the insurer will assign a relationship manager to take you through the process. The insurer will pay off the hospital for all the pre-approved treatments (as per policy T&C).

Claim Process for Max Bupa Health Companion Family Floater Plan for International Treatment

You can select a network hospital and call at their International helpline number as mentioned in the policy documents. To facilitate the identification process and hospital admission process you need to furnish the listed documents:

  • Name of the policyholder/customer
  • Customer I.D
  • Policy number
  • Age Proof
  • Photo I.D proof
  • All the medical records
  • Contact number
  • Email ID
  • Diagnosis with medical investigation reports
  • Surgery/treatment advised by the treating doctor
  • Preferred date options for the treatment
  • Preferred hospital and country for the treatment

Max Bupa’s international claim team will give you a reference number after you have filed a claim. Once all the documents are approved and the claim is processed, our dedicated International claim team will take you through the international cashless hospitalization. Their health experts shall also monitor your health while you are undergoing treatment in one of the best international hospitals.